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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,284 | $126,661-67.4% | $113,397-63.6% | $138,895-70.3% |
| Participation rate | 81.0% | 79.4%+1.5pp | 76.5%+4.5pp | 79.9%+1.0pp |
| Annual return | 16.09% | 25.05%-9.0pp | 23.20%-7.1pp | 145.39%-129.3pp |
| Employer contribution / active EE | $2,558 | $3,456-26.0% | $2,977-14.1% | $4,194-39.0% |
| Participant deferral / active EE | $2,954 | $5,693-48.1% | $5,076-41.8% | $6,396-53.8% |
| Admin fee / account holder | $926 | $14,549-93.6% | $11,957-92.3% | $12,562-92.6% |